online banking:

Forgot Your ID or Password
Notice to Safari Users: Ver. 5.1.4 Update

If you have forgotten your Capital City Bank OnLine User ID:

Please contact the Client Service Center Monday through Friday, 8:00 a.m. – 6:00 p.m. ET at 888.671.0400.

If you have forgotten your Capital City Bank OnLine Password:

Please click here to enter your Capital City Bank OnLine User ID and follow the prompts to reset your password.

*Treasury Management clients will continue to call 866.317.6582 for all Capital City Bank OnLine password resets.

Absolutely Free Checking

Free means free. Open an account today and you will see why the Absolutely Free Checking account is so popular. Enjoy no minimum balance, no monthly service charge, no per-check charge, and unlimited check writing.

Product Features

  • Requires monthly direct deposit, automatic payment or e-statement
  • No minimum balance
  • No monthly service charge
  • No per-check charge
  • FREE VISA® Debit Card
  • UNLIMITED check writing*
  • FREE access to Online Banking with Bill Pay and Mobile Banking^
  • FREE E-statements
  • FREE Mobile Deposit^+
  • FREE Direct Deposit
  • FREE access to Capital City Bank Direct - Automated
  • FREE access to Capital City Bank ATMs
  • Ability to make bank-to-bank transfers**
  • Only $50 minimum opening deposit



Refer to Terms & Conditions and Other Services and Fees disclosures for additional information related to the account. Bank rules and restrictions may apply. Business and corporate accounts do not qualify for personal products. Checking accounts subject to fees if overdrawn. Some services require online banking. Direct deposit and automatic bill payment qualifying transactions include deposits and payments made through the Automated Clearing House (ACH) network, Capital City Bank OnLine Bill Payment service, recurring debit card transactions, and automatic loan payments made from the account. Accounts no longer meeting the e-statement, direct deposit or automatic bill payment requirement will be changed to a Basic Checking account; account holder will be notified.*Client purchases checks. ^Capital City Bank does not charge for the use of this service at this time. Fees charged by mobile service provider are the responsibility of the user. †Requires a Capital City Bank deposit account and is subject to approval. **Outbound and inbound transfer fees apply. Ask a banker for details.
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